Why health insurance

Do I need health insurance in New Zealand?

As a resident of New Zealand, you can rely on the public health system for emergency care and treatment for serious
conditions. Relying on the public system, though, can have its disadvantages. Using the public system might mean you
wait longer for treatment, don’t get to choose your specialist, and if your condition is not related to an accident, you
won’t be able to rely on the ACC (Accident Compensation Corporation) to pay for treatment.

How much will it cost without health insurance?

Accessing treatment through private health insurance gives you control over when and where you’re treated, the
surgeon who treats you, and helps you pay towards the cost of your treatment – which otherwise might be
unaffordable or significantly impact the lifestyle you’re used to.

We paid almost $30 million in claims…

In the quarter to September 2017 we paid almost $30 million in claims to over 12,000 customers. The reality is that if
these customers did not have their nib health cover they would have faced the financial burden of these costs on their
own which can add additional stress during what is often already a difficult period.

However, health insurance isn’t just for those who are sick, we encourage and support people to use their health
insurance to help them afford regular check-ups which may lead to early detection of ill health and allow them to seek
treatment potentially before it’s too late.

During the first two weeks, if you decide your policy isn't right for you, you can cancel and we'll refund any premiums
paid, providing no claims have already been made.

Claiming in four simple steps

Claim online, with the app or through your provider and make a payment request for
procedures that have already taken place, including your pre-approved claims.

Start your claim

Take a photo of your receipt or invoice

Add your claim info

Add refund details

Important things to know

nib claim statistics as at June 2018. This is an illustration of treatments and costs you could expect to pay if treated in private hospital. This is not
representative of conditions covered on your policy or the amount that would be paid by nib nz limited in the event of a claim.

nib claim statistics as at June 2018. Representation of treatments and costs you could expect to pay if treated in private hospital. This is not
representative of conditions covered on your policy or the amount that would be paid by nib nz limited in the event of a claim.